Good for you. I have paid off 6 credit card with our income tax. We are down to one and plan on paying that one off threw the year. Come Ocotober we will have another 200.00 extra from paying off chrysler from a extened warranty I bought(trust me my van needs it). SO by the end of the year we should be pretty much debt free except our mortgage and it is a really good feeling. We are using are debit card only since Jannuary and it really has been easier than I thought.